证券日报网12月17日讯 铁流股份（603926）在12月16日回答调研者提问时表示，一是推进数字化升 级，依托中配平台的汽车零部件大数据资源，为中小企业赋能，帮助其减少库存、提升效率；同时拓展 线上交易撮合功能，服务注册用户，并试点保险公司定损场景，探索大数据的商业化路径；二是优化供 应链与产品线，通过整合供应链资源，丰富产品线来满足不同客户的需求，增强盈利能力；同时，和大 型企业建立了良好合作关系，为京东、德邦等物流公司提供一站式解决方案，提升市场覆盖能力；三是 应对行业特征挑战，商用车后市场因零部件数量庞大、维修技术要求高，具有专业性强、复杂度高的特 点，因此资本介入相对谨慎，尚未形成乘用车后市场的资本密集型发展模式。公司将通过"轻资产+智 慧服务"模式推动行业向专业化、高效化升级，力争在存量市场中实现结构性增长。 ...

Core Viewpoint - The conference emphasizes the importance of human resources services in supporting high-quality and full employment, highlighting the need for collaboration among government, enterprises, educational institutions, and research organizations to enhance employment quality and effectiveness [1][2]. Group 1: Forum Insights - The forum featured a presentation by the General Manager of Beijing International Human Capital Group, focusing on the company's practices in promoting high-quality employment through innovative employment scenarios and industry-education integration [2]. - High-quality full employment is defined not only by high employment rates but also by fair compensation, stable labor relations, comprehensive social security, and good personal development prospects [2]. - The forum facilitated consensus on key issues and provided valuable insights for the industry to support national strategies and enhance high-quality employment [2]. Group 2: Company Initiatives - Beijing International Human Capital showcased several innovative achievements, including the "Digital Partner Alliance" and collaborative platforms among government, enterprises, and educational institutions [3]. - The company is upgrading its recruitment services from "information services" to "scenario services," creating immersive job-seeking experiences through live broadcasts and AI recruitment machines [3]. - The company is addressing structural talent supply and demand issues by establishing customized talent training systems in collaboration with local educational institutions, particularly in industries like optoelectronics and biomedicine [3][5]. Group 3: Regional and International Services - The company is leveraging its extensive service network across over 400 cities to meet the labor demands of key regional industrial clusters, focusing on sectors such as information technology and healthcare in the Beijing-Tianjin-Hebei region [3][5]. - In response to the "Belt and Road" initiative, the company offers comprehensive solutions for overseas enterprises, including global personnel management and cross-border training [5]. - The company is actively participating in building a global innovation service network, linking international resources in cutting-edge fields like artificial intelligence and renewable energy to foster high-quality employment [5]. Group 4: Future Directions - Moving forward, the company aims to deepen its strategic renewal driven by technological innovation, maintaining an open approach and professional services to contribute to high-quality employment and the implementation of talent strategies [7].

Core Viewpoint - The company plans to expand its ICT solutions offerings to N clients starting in 2024 and will introduce ICT+ functional testing solutions by 2025, aiming for a comprehensive one-stop solution to increase business scale [1] Group 1 - The company will continue to focus on a major client strategy, transitioning from a single equipment supplier to a component supplier based on the needs of large clients [1]

2025年以来，各家上市银行对公业务与零售信贷1.43%的平均净息差水平，已低于全行业的1.51%的不 良率；同时行业马太效应强化，18家国股行以全中国0.38%的机构数量占据了全行业接近73%的净利 润。 当前复杂多变的经济环境与激烈的行业竞争下，中小银行面临着前所未有的压力与挑战—— 利差收窄、风险管控难度增大、客户需求日益多元化和数字化，传统运营模式已难以适应快速变化的市 场需求。 大行在周期困境中下沉至本土区域，更使得中小银行也面临着新的窘境： 新希望金融科技CEO徐志华则基于函数推演与数学建模，分享了市场机构对于当下零售信贷的常见误 区。 徐志华指出，零售信贷风险释放天然"非匀速"，有着资产分布单模型维度下核准客户呈现左偏、坏账从 低分向高分线性推进、核准客群整个生命周期的最终坏账率与模型分之间存在稳定且单调递减的关系三 个特征； 其最终推导的数学结果指向，随着时间的推移，累计坏账率的演变将呈现"初始阶段风险缓慢积累，随 后进入快速攀升期，最终又趋于平稳"的特点。 "风险变化天然有一个快速增长的阶段。"徐志华指出，"历史上不少银行一到这个阶段，看到月度风险 指标持续攀升，就仓促刹车、暂停业务，最终错 ...

7月10日—12日，2025全球跨境电商交易博览会在杭州大会展中心举行。展会现场揭晓了杭州跨境电商 综合试验区十周年突出贡献企业等多项表彰，连连数字凭借在跨境支付领域的卓越表现、对杭州跨境电 商生态的深度赋能以及在推动行业创新发展等方面的突出贡献，荣获"杭州跨境电商综试区十周年突出 贡献企业"。 连连数字成立于2009年，依托广泛的全球牌照布局、完善的专有技术平台及广泛的合作方网络，建立了 强大的全球支付网络，向中国及全球客户提供丰富的数字支付服务及增值服务。值得一提的是，连连数 字与美国运通合资设立的连通公司，是国内首家获得中国人民银行授予银行卡清算业务许可证的合资银 行卡清算机构，进一步凸显了其在行业内的领先地位和强大实力。 这种强大实力的背后，与连连数字在全球业务布局及牌照覆盖上的深耕细作密不可分。作为业内少数拥 有广泛全球布局的企业，在所有中国的数字支付解决方案提供商中，连连数字是唯一一家在美国所有州 均持有货币转移牌照的公司。截至2024年12月31日，连连数字已建立了由65项支付牌照及相关资质组成 的全球支付牌照布局，全资附属公司DFX Labs Company Limited持有香港证券及期货事 ...

Core Insights - The article highlights the advancements in hydrogen production technology and the importance of flexible and intelligent systems in the renewable energy sector [4][5] - It emphasizes the role of TrendBank in providing industry research and data services to support decision-making in the green hydrogen market [9] Group 1: Industry Events - The 2025 TrendBank Long-term Energy Storage Industry Conference is scheduled for July 2-3 in Yinchuan, Ningxia [2] - The 2025 TrendBank Green Hydrogen Industry Conference will take place on July 16-17 in Wuxi, Jiangsu [3] Group 2: Technological Innovations - The integration of a 2000Nm³/h intelligent electrolyzer with PWM hydrogen production power forms a "golden partner" for creating a flexible hydrogen production ecosystem [4] - The MegaFlex "Factory as a Product" green hydrogen one-stop solution was launched, addressing pain points in overseas green hydrogen projects with its standardized and modular approach [5] Group 3: Market Trends - The article discusses the necessity of flexibility in response to renewable energy fluctuations and the critical role of digital intelligence in ensuring efficient and reliable system operations [5] - It outlines the shift towards a "no-boundary" era in large-scale hydrogen production technology, driven by innovative solutions and digital technologies [5]